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Texas Department of Insurance
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Lower your car insurance costs: Tips for saving money


We want to help you find ways to save money while still getting the coverage you need.

Check out these tips and podcasts to get started.

Shop around

Shopping for a better price? It's a good idea to shop around to find the policy that best meets your needs and budget.

Ways to save

Shopping guide

Compare rates

Want to compare car insurance rates and companies? Complete your driver profile to get sample prices and compare policies. Contact your top choices to get quotes.

Use HelpInsure to compare rates

Ask about discounts and coverages

What car insurance discounts are available to lower your premium? Companies may offer discounts for safe drivers, having an anti-theft device in your car, or having multiple policies (like auto and home) with the same company.

Ask for discounts

Improve your driving and credit scores

Are you a good driver? Your driving habits could save you money on car insurance.

What about your credit score? Will it affect your insurance rate? Most insurance companies use your credit history to help them decide whether to sell you insurance and how much it will cost.

Consider how you drive

How credit scores affect rates

Will my premium go up if I file a claim?

How does car insurance work in Texas?

Knowing the ins and outs of car insurance in Texas can protect you and help you get the most from your policy. Learn more in our auto insurance guide.

How are your auto and homeowners insurance costs calculated?

Questions? Call us at 800-252-3439.

Last updated: 2/28/2024